one thing about today's personal finance ai products is that they offer very little value beyond a dashboard type experience. i.e. they are built on observability rather than actual agency. there are so many mechanics in which finance can work as a vector to deeply optimize your relationship with money, primarily how you spend, & how you make money. there are so many opportunity scopes around this & many of the current offerings are fragmented. e.g. there are very few set it & forget it agents that work. personal finance should be one of the most autonomous categories in personal ai.. this is why when labs launch products even in these categories, they're much more surface level & they don't offer depth without configuration & management. that's i think there a huge set of opportunities lie in personal ai experiences in general.